We collect non-public personal information in order to accurately identify you, to protect and administer your accounts and records, and to provide professional services to you.  We may obtain non-public personal information about you from information we receive in the course of providing services to you and from information about your transactions, with us, our affiliates, and others.

We will not disclose any non-public personal information about our clients or former clients to anyone, except as permitted by law.  For example, the law permits disclosure to our affiliates (for compliance purposes and, where applicable, to provide or support our affiliates' legal, consulting, or investment advisory services you have authorized) and to certain third parties as necessary for us to render professional services to you.

We restrict access to your personal and account information to those employees who need to know that information to provide services to you.  We also maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information.  If you become an inactive client, we will adhere to the privacy policies and practices as described in this notice.